The Top eCheck Online Casinos in July 2025

An eCheck, or electronic check, is a common digital form of payment in online gaming. Simply put, eChecks send your payment from your bank account into the merchant’s account by using the Automatic Clearing House, known as ACH. Notably, ACH is a payment network used exclusively in the U.S. Depending on your bank’s regulations, you can use your debit or credit card to make ACH payments. 

Payments made through eChecks is not the same as traditional debit or credit card transactions; meaning they do not process payments immediately after they’re made. A notable difference between ACH and online banking is that you are requesting the payment in comparison to the payment being processed by providers like Visa or Mastercard.

Online casinos like bet365 benefit from ACH payments because they are avoiding high interchange fees, which merchants pay when a customer makes a card payment. These fees are charged for the payment authorization process so the transaction could be completed.

Furthermore, ACH payments use your bank account and routing numbers, which rarely change, so merchants do not have to worry about cards expiring or any other issues that may arise with a card number.

Most major online casinos accept eCheck as a form of payment. Here are some common options:

VIP Preferred is a common eCheck provider with notable differences:

• Cash or eCheck limit that resets every 7 days (varies)
• Electronic withdrawal at select casinos, referred to as cash access
• Funds are removed from your bank account in one business day
• Withdrawal can take up to 5 days
• Available at 500+ retail casinos with the addition of notable online casinos
• Register up to four total accounts
• Below-average withdrawal fees
• VIP Mobility app that allows members to pay for their casino games from the comfort of their phones

For your reference, BetMGM, Betway, Borgata, Caesars, DraftKings, Golden Nugget, and Unibet use VIP Preferred eChecks.

Payment authorization times and fees vary across all banks and other payment providers used, so ensure you read and understand the terms and conditions before proceeding.

Everyone has their preference, but here’s the difference between using a debit or credit card for eCheck payments or withdrawals.

Debit Cards: Debit eCheck transactions are commonly free and will take between 2-3 days on average.

Credit Cards: Credit eCheck transactions commonly include fees and take 3-5 business days.

Keep in mind that banks may have varying processing times that may differ in both instances mentioned above.

Additionally, ACH processes payments and withdrawals in groups, so if a transaction is sent too late on a given day, it may take a little longer to be completed.

It’s important to remember that while these payments are safe and efficient, there can be fees involved. Certain credit cards, for example, could have a $2 transfer fee while others allow you to transfer funds for free.

We recommend checking the terms and conditions of using your selected card for an ACH payment.

Make sure to always check your banks’ transfer fees (ACH) and daily limits before selecting one.

Common Apps That Use ACH

To gain more insight into how common ACH is, we’ve listed some common apps that use this process:

• Apple Cash
• Cash App
• PayPal
• Venmo
• Zelle

Using eChecks to make your online casino transaction is safe and reliable. We've summarized the steps to help guide you through how to make your online casino deposits.

1. Sign up at your online casino of choice.
2. Find the cashier option with your casino and select the eCheck option.
3. Enter your personal details and information.
4. Find the routing number (ACH), and account number, and the eCheck number on your eCheck.
5. Input your eCheck information, which will include the account type, social security number, account, and routing numbers. Pick the amount you want to deposit and make sure to include any bonus code or other information the online casino needs.
6. Hit the deposit button and then start gaming!

There are online casinos that offer withdrawals in check form. There are three easy steps to get back your hard-earned money.

1. Once it's time to withdraw money, choose "check by courier" and pick the amount of money you want.
2. You'll have to wait a bit for the paper check to come in by mail.
3. The check is here! Now it's time to deposit it. Deposit the check into your account and enjoy your winnings!

Wire transfers, on the other hand, are known for processing payments within the same day so they are a better choice if you are on a time constraint. One major difference, however, are the processing costs associated with wiring money domestically or internationally. Wire transfers are quicker on average and can handle a larger amount of money but will have higher costs to send or receive them.  

If you are interested in other social casinos, see our review on Fire Kirin, Fortune Coins, Crown Coins Casino.